We Are Developing a New Site!

Great news!  We are in the midst of developing a brand new website with more and even better resources and member benefits.  It will also have a more engaging community.

We are really excited and can hardly wait to show you!

If you are already a member of Moms Making a Million, you will receive an email about this and we will start transferring your membership to our new site.

We appreciate your patience!  Stay Tuned.  The announcement will come shortly.

In the meantime, keep listening to the Moms Making a Million radio show which airs LIVE every Friday morning.

Imagining Your Retirement Future Based on Now

By Paul Petillo, Managing Editor of Target2025.com and BlueCollarDollar.com

We really don’t have many options when it comes to retirement planning. If you have done something, you know why you have done it. If you have yet to do anything, you also know why you have done it. Neither has failed in the present tense. Those who have begun to embrace a retirement future understand that the earnings present hold some sort of key to what that future will be like. Those who have done nothing so far, have a firm grasp on the moment they are in but are doing little to expand beyond that point in time.

So let’s talk about those who have done nothing to date. You cannot escape the talk about retirement, planning for the future, how the stock and financial markets are doing, and any other money information that crawls below your news screen or weasles its way into some talk program. Everyone has become obsessed with the concept, except of course you. And with good reason. Yet those very reasons – a family, an aging parent, a job be it well-paid or under-paid, a mortgage, debt have all clawed successfully for your attention. In your particular world, the knowledge about what you should be doing represents potential – and as an old football coach once suggested, it means you haven’t done anything yet.

After Your Read Paul's Article, Listen to Him On: Moms Making a Million Radio

Financial Scenarios for Moms We Don’t Want to Discuss

By Paul Petillo, Managing Editor of Target2025.com and BlueCollarDollar.com

Optimism aside, you never know what could happen to you in the next 24 hours. In fact, every second in the U.S., someone in this country becomes disabled. It might a simple injury or something much worse. So I thought we’d discuss some of the needs for and perhaps problems with disability insurance, something many of us don’t have, could need and probably don’t have a clue what to look for.

For the vast majority of us, most injuries don’t stop us. We just tough it out and move on. But some injuries just can’t be ignored. And if not ignoring that injury means time lost from work, the whole financial balancing act you might be juggling could come tumbling down.

After Your Read Paul's Article, Listen to Him On: Moms Making a Million Radio

The Disability Insurance Policy Add-on: More Coverage has a Price

By Paul Petillo, Managing Editor of Target2025.com and BlueCollarDollar.com

Shoppers know what a value is. Except when it comes to buying cars and insurance. Then, we often lose sight of what value is by adding stuff to the purchase that can increase the cost. Want the spoiler on the car? It’ll cost more. The upgraded sound system? More. Leather, sunroof, alloy wheels? More, more and more money out of pocket. And most shoppers know they can add these extra items on after the purchase. But few seldom leave the show room with the stripped down version of the car, the basic model, with the intentions of adding on the features we think we need.

Our conversation about disability insurance also has the same sort of stripped down version – the basic coverage that replaces some, not all of your income should you not be able to work. Now for the seriously upgraded policy that most of us find not only enticing, but worthwhile. These add-ons are referred to in insurance jargon as riders. Are they worth it or can we do it alone with less?

After Your Read Paul's Article, Listen to Him On: Moms Making a Million Radio

Your New Job: The First Five Years

By Paul Petillo, Managing Editor of Target2025.com and BlueCollarDollar.com

Signs of economic recoveries usually come with signs of increased hiring. Increased hiring usually spells opportunity for those among us who are young and are either unemployed, unlaunched or worse, dissatisfied with the job they have. Older workers share the same needs and even similar emotional tugs as younger workers but they tend to have different agendas when involved in the job search. Yet optimistic employment numbers also give way to mistakes when those opportunities present themselves as a chance for new and/or different employment.

Let’s start with those that are currently unemployed or underemployed. If you have failed to find the job of your dreams, chances are the news about an uptick in hiring has you feeling a great deal more optimistic about your prospects. Probably your parents feel that way as well. Even though most of the experts I spoken with suggest that just getting a job, any job is preferable than trying to be selective, that doesn’t mean you should approach the subject as if you were desperate. There is a very good chance that if you land the position, you will be employed with that company for at least five years.

After Your Read Paul's Article, Listen to Him On: Moms Making a Million Radio

Dressing Badly: When Your Investment Has No Style

By Paul Petillo, Managing Editor of Target2025.com and BlueCollarDollar.com

I’m sure most of the mom’s in the listening audience take the fashion police into consideration before they leave the house. They wouldn’t wear pastels with stripes and patterns or two different colored shoes. Granted, if they did, they could probably mumble to themselves all day and no one would notice. But imagine a mutual fund that is sort of like that. Just a jumble of ideas all thrown together and then sold to you as the be-all-to-end-all investment, one that is set-it-and-forget-it. The badly dressed investments are called target date funds.

So the question that needs to be asked is what are these investments and who let them leave the house looking like that?


After Your Read Paul's Article, Listen to Him On: Moms Making a Million Radio

Mom's Money News: Teen Girls Spending Habits Revealed

By Gina Robison-Billups, Founder of MomsMakingaMillion.com

Teenage girls are still pushing profits for retailers, regardless of a harsh recession, in ways that nobody had imagined. Euro RSCG Worldwide PR released a much-anticipated white paper “The Teenage Lady as Consumer" that reveals that a teenage girls contradicts roughly all informative stereotypes associated to spending. This is good news and bad news for parents.


In all teenagers spending some-more than $200 billion any year (the bad news).


Now the good news...


After Your Read Gina's Article, Listen to Her On: Moms Making a Million Radio